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YourBenefitsEffective January - December 2024

You must request a change to your benefitswithin 30 days of your life event (60 days forchanges involving Medicaid eligibility). Documentation may be required.Enroll nowYour benefit plans are in effect January 1 –December 31 each year. In general, there arethree times you can make benefit selections:Making benefit selectionsGetting startedEligibility Enrolling in coverageFor youYou are eligible for benefits as a full-timeemployee working at least 30 hours per week.Your Spouse or PartnerYour benefits begin on the first day of the monthfollowing date of hire; this is your effective date.Be sure to submit your selections within your first15 days of benefits eligibility.Your benefit selections will be in effect throughDecember 31. When you're first eligible Open Enrollment is your one chance each year toreview your coverage options and make changesto your benefits.Your choices are in effect from January –December of the following year unless you have aqualifying life event. At Open Enrollmentmarriage or divorce, birth or adoption, death of a covered dependent, and a change in eligibility through Medicare,Medicaid, or a spouse or parent's coverage. Qualifying life events allow you to change yourcoverage during the year outside of OpenEnrollment. These include: If you have a qualifying life eventYou may also cover your eligible dependents whenyou elect coverage for yourself.Covering your familyMedical, dental and vision: until age 26regardless of student or marital statusChild life insurance: until age 21, or 26 if afull-time studentDependent children are eligible:You may cover your legal spouse or domesticpartner.Your childrenEmployee Navigator Instructions

Balance billingWhen you use an out-of-networkmedical or dental provider, theymay bill you the difference betweenwhat they charge and the amountyour insurance pays.Medical: balance billing is inaddition to – and does not counttowards – your out-of-pocketmaximum.CoinsuranceAfter you’ve met your deductible,you’re sometimes responsible for apercentage of the cost of themedical care, dental care, orprescription medication youreceived. This percentage iscoinsurance.CopayA flat fee you pay each time youreceive a copay-eligible medical,dental, or vision service orprescription medication. DeductibleThe amount you’re responsible forpaying in care expenses before themedical or dental plan starts payingdeductible-eligible expenses.In-networkIn-network care is always yourlowest-cost option. Networks aregroups of medical, dental, andvision providers, pharmacies, andfacilities that agree to discount thecost of their care or service.Out-of-pocket maximumThe most you’ll pay for covered in-network medical care in a year. Thisincludes your deductible, anycoinsurance or copays, andprescription drugs. The out-of-pocket maximum doesnot include your premium (theamount you pay for coverage), non-covered expenses, or out-of-network care that’s been balancebilled.Primary care physicianA primary care physician (PCP) isyour main medical doctor – usuallya general practitioner (GP), familydoctor, internist, OB/GYN, orpediatrician (for children).Referral/pre-authorizationSome specialty medical providersand services require a referral froma primary doctor. These may include- but are not limited to -cardiology, psychiatry, orthopedicsurgeons, rheumatology, surgery,and imaging (CT or MRI).Have questions? Your advocate is here to help youwith all things benefits. See theircontact information on the nextpage.How to handlemedical bills (4:46)Annual NoticesWe’re required to tell you about certainrights and responsibilities you have as anemployee of Frontline PerformanceGroup. These notices are linked belowand are also posted in EmployeeNavigator.Download nowHelpful terms & resourcesGetting startedWe've removed as much jargon as possible.But you’ll probably still encounter some terms as you enroll in and use your benefits, andwe want you to be prepared!

Medical insuranceUMRGroup: 764141611-800-922-8266www.umr.comHealth Savings Account (HSA)The Harrison Group1-855-222-5727www.theharrisongrouponline.comFlexible Spending Accounts (FSA/DCFSA)The Harrison Group1-855-222-5727www.theharrisongrouponline.comDental insuranceGuardianGroup: 005663281-800-482-7342www.gurdianlife.comVision insuranceVSP through GuardianGroup: 005663281-800-877-7195www.vsp.comLife and AD&D insuranceGuardianGroup: 005663281-800-482-7342www.gurdianlife.comDisability insuranceGuardianGroup: 005663281-800-482-7342www.gurdianlife.comAccidentGuardianGroup: 005663281-800-482-7342www.gurdianlife.comCritical IllnessGuardianGroup: 005663281-800-482-7342www.gurdianlife.comHRNikki Dunmire1-407-421-9791hr@frontlinepg.comContact informationGetting startedOneDigital’s Client Advocate Center (CAC) is here to help you withclaims, ID cards, coverage questions, and more!1-866-582-7378 Prompt 1myadvocate@onedigital.comMonday - Friday, 8:30am-5pm ESTBilingual (Spanish) assistance is availableCAC Flyer

In-network care$3,000 HSA$3,000 80% EPO$250 80% EPONetwork name:UHC Choice PlusUHC Choice PlusUHC Choice PlusAnnual Deductible (DED)Out-of-pocket maximum$3,000 per person $6,000 family max$6,750 per person $13,500 family max$3,000 per person $6,000 family max$6,550 per person $13,100 family max$250 single coverage $500 family max$2,250 per person $4,500 family maxPreventive carePrimary care visitSpecialist visit100% covered10% after deductible10% after deductible100% covered$25 copay, no deductible$50 copay, no deductible100% covered$20 copay, no deductible$20 copay, no deductibleUrgent careEmergency roomInpatient hospital careOutpatient careDiagnostic Exam/X-RaysComplex Imaging10% after deductible10% after deductible10% after deductible10% after deductible10% after deductible10% after deductible$50 copay, no deductible20% after deductible20% after deductible20% after deductibleCovered 100%, no deductible20% after deductible$50 copay, no deductible20% after deductible20% after deductible$100 copay, no deductibleCovered 100%, no deductible20% after deductiblePrescription drugsGeneric Preferred brand Non-preferred brand(30 days | 90 days)$10 copay | $20 copay$50 copay | $100 copay$80 copay | $160 copay(30 days | 90 days)$10 copay | $20 copay$50 copay | $100 copay$80 copay | $160 copay(30 days | 90 days)$10 copay | $30 copay$35 copay | $105 copay$60 copay | $180 copayOut-of-network careAnnual deductibleCoinsuranceOut-of-pocket maximum Balance billing applies$5,000 / $10,00050% $10,000 / $20,000Balance billing appliesN/AN/AN/ABalance billing appliesN/AN/AN/AYour cost for coverageEmployee onlyEmployee + SpouseEmployee + Child(ren)Employee + FamilyPer paycheck$12.62$311.82$239.06$429.12Per paycheck$18.51$319.25$244.66$439.17Per paycheck$63.89$368.88$282.81$507.65See plan detailsMedical insuranceSee plan detailsSee plan detailsMobile App FlyerThe information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Finalrates are dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract,and other notices contained in this document, applications, and other corresponding communications for additional information.what you pay for the plan, what you pay when you get care, how out-of-network care is covered, andyour annual maximum cost for care (out-of-pocket maximum).All plans cover in-network preventive care at 100%, prescription drugs, andinclude an annual limit on your expenses. The differences are: Select from three medical options through Carrier.

Additional perksSee plan detailsSee plan detailsSee plan detailsSee plan detailsThe information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Finalrates are dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract,and other notices contained in this document, applications, and other corresponding communications for additional information.There's more to love with these extra benefits. UMR Mobile AppThis is where we add in perks and other benefits thatmay come with the medical plan. Healthy You MagazineThis is where we add in perks and other benefits thatmay come with the medical plan. Optum Rx Price EdgeThis is where we add in perks and other benefits thatmay come with the medical plan. ConnectCare3This is where we add in perks and other benefits thatmay come with the medical plan.

If you coveryourself onlyIf you coverdependents2024 IRS maximumcontribution $4,150$8,300Learn how HSAs canhelp you save fortoday and tomorrow.Health SavingsAccount (HSA)55 or older? You can contribute an extra $1,000 peryear in catch-up contributions.The information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Finalrates are dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract,and other notices contained in this document, applications, and other corresponding communications for additional information.You may contribute tax-free funds to save for currentand future health expenses - and retirement!An HSA through vendor is paired with a High DeductibleHealth Plan (HDHP).Save pre-tax money for health care expenses – or retirement!Contributions HSA funds Spend your HSA balance on health care expenses(medical, prescription, dental, and vision) for youand your tax dependents, ORLet your balance grow for retirement.Using your moneyThe money in your HSA is always yours and availablefor qualified health care expenses - even if you changejobs or health plans. Before retirement, any funds usedfor non-healthcare expenses are subject to taxpenalties. Keep your receipts!Growing your money + tax savingsHSA dollars go in tax-free, grow tax-free, and come outtax-free when you use them for qualified healthexpenses. You may also be able to invest part of yourbalance once it meets a certain level.In retirementAt age 65, you can withdraw the funds in your HSA forany use (not just health care!) without tax penalties. Eligibilitybe enrolled in a qualified High Deductible HealthPlan (HDHP),not be covered under any other non-HDHP healthcoverage, including a full health care FSA throughyour spouse,not be anyone else’s tax dependent, and not be eligible for or enrolled in Medicare A or B,Tricare, or VA benefits.In order to make – or receive – contributions to a HealthSavings Account (HSA), you must:

Eligible expensesPay for eligible child or disabled adult care while youwork or attend school.Dependent care FSA2024 maximum contribution$5,000Married filing separately? You can contribute up to $2,500 per person.Only the amount you’ve actually contributed isavailable for use at any one time.Estimate carefully! Unused funds will be forfeited atthe end of the year per IRS regulations.Flexible Spending Accounts (FSAs)The information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Finalrates are dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract,and other notices contained in this document, applications, and other corresponding communications for additional information.Health care expenses2024 maximum contribution$3,200Annual rollover amount$640Enrolled in an HDHP plan and eligible for HSA contributions? You’re not eligible for a health care FSA.Health and dependent care expenses can add up. Paying with tax-free fundscan help. Enroll in one or more flexible spending accounts (FSAs) dependingon your needs.Pay for qualifying expenses with tax-free money using yourFlexible Spending Account through vendor.Pay for eligible medical, prescription, dental, andvision expenses.Health care FSA

Dental insuranceThe information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Finalrates are dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract,and other notices contained in this document, applications, and other corresponding communications for additional information.Stay in-network to avoid balance billing (the difference between what an out-of-network provider charges and the amount your insurance pays). what you pay for the plan, what you pay when you get care, the maximum amount Guardian will pay each year for dental care (annualmaximum benefit), andwhether orthodontic care is covered.Both plans cover in-network preventive care at 100%. The differences are: Select from two dental options through Guardian.Base planHigh planNetwork name:National PPONational PPOIn-networkOut-of-networkIn-networkOut-of-networkAnnual Deductible (DED)$75 per person $225 family max$75 per person $225 family max$50 per person $150 family max$50 per person $150 family maxAnnual maximum benefit$1,250 per person $1,250 per person $1,750 per person $1,750 per person Preventive care100% covered100% coveredBasic careDED then you pay40%DED then you pay40%DED then you pay20%DED then you pay20%Major careDED then you pay70%DED then you pay70%DED then you pay50%DED then you pay50%Orthodontic careCoverageLifetime max benefitNot coveredN/A50% covered (child to age 19)$1,250 lifetime max benefitYour cost for coverageEmployee onlyEmployee + SpouseEmployee + Child(ren)Employee + FamilyPer paycheck$12.64$24.28$35.37$42.79Per paycheck$19.99$36.14$40.18$60.69See plan detailsSee plan details

Vision insuranceYour vision plan covers either glasses (lenses and frames) or contact lenses each year. If you receive contact lenses, they will be instead of your glasses benefit.Vision planNetwork name:National PPOIn-networkNon-network(reimbursement)Annual eye exam (every 12 months)$10 copayUp to $39Materials copay(lenses & frames)$20 copayN/ALenses(Single/Bifocal/Trifocal/Lenticular)(every 12 months)Included in materials copayUp to $23 / $37 / $49 / $64 Frames(every 24 months)$20 copay; $150 allowanceUp to $46Contact lenses(every 12 months)Elective: $20 copay; $150 allowanceMed. nec: 100% covered after materialscopayN/AYour cost for coverageEmployee onlyEmployee + SpouseEmployee + Child(ren)Employee + FamilyPer paycheck$3.71$6.76$6.88$10.06See plan detailsThe information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Finalrates are dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract,and other notices contained in this document, applications, and other corresponding communications for additional information.You'll get an annual exam with coverage for lenses and frames, or contactsin lieu of glasses.Your vision coverage is through VSP.

Basic lifeBasic AD&DFrontline Performance Group provides$100,000$100,000Benefit Reduction65% at age 65; 50% at age 70See plan detailsFor youFor your spouseFor your child(ren)(5 options)Coverageincrements$10,000$5,000$1,000, $2,000,$4,000, $5,000,$10,000Coveragemaximum5x your annualearnings or $500,000$250,000 or 50% ofyour (employee)amount$10,000GuaranteedIssue$150,000$35,000Does not applyYou may also purchase additional coverage for you, your spouse, and youreligible child(ren). Additional life and AD&D insuranceSee plan detailsLife insurance pays a benefit if you pass away while you're covered.Accidental Death and Dismemberment (AD&D) insurance offers additionalsupport if you pass away or are seriously injured due to an accident.Financial peace of mind through Carrier.Life and AD&D insuranceyour beneficiary if you passaway due to an accidentyou a partial benefit if youlose specified bodilyfunctions (sight, limbs, etc.)What's AD&D?Accidental death anddismemberment (AD&D)insurance may pay:Make sure to designate a beneficiary for your life insurance coverage to ensureyour family is cared for according to your wishes.Medical question limitWhen you’re first eligible (a newhire), you can purchaseadditional life insurance up tothis limit without any medicalquestions required. Medical questions and approvalwill be required for all futureincrease and purchase requests.The benefit plan information shown in this guide is illustrative only. To the extent the benefit plan information summarized herein differs from the underlyingplan details specified in the insurance documents that govern the terms and conditions of the plans of insurance described in this guide, the underlyinginsurance documents will govern in all cases.Basic life and AD&D insuranceFrontline Performance Group provides life and AD&D insurance at no cost toyou.

Benefits beginAccident: After 7 days of inability to workIllness: After 7 days of inability to work Coverage amount60% of your income up to $1,000 per weekPayments may continueUp to 25 weeks if you’re unable to return to workSee plan detailsSee plan detailsIf you make a disability claimwithin the first year of beingcovered, check your plan detailsto see how pre-existingcondition limitations mightimpact your coverage.Pre-existing conditionlimitations Benefits beginAfter 180 days of inability to work (once short-termdisability ends)Coverage amount60% of your income up to $10,000 per monthPayments may continueUntil your Social Security Normal Retirement Age ifyou remain unable to work.Wish you knew moreabout finances? Nowyou can - at no cost!Disability insuranceThe benefit plan information shown in this guide is illustrative only. To the extent the benefit plan information summarized herein differs from the underlyingplan details specified in the insurance documents that govern the terms and conditions of the plans of insurance described in this guide, the underlyinginsurance documents will govern in all cases.Protect your paycheck with disability insurance throughCarrier.Disability coverage insures your paycheck, replacing a portion of your incomeif you’re unable to work due to a covered illness or injury.Short-term disability coverage can replace part of your paycheck if you’re unableto work for a shorter period of time. Frontline Performance Group provides thiscoverage at no cost to you Short-term disabilityLong-term disability coverage can provide lasting income protection if youremain unable to work. Frontline Performance Group provides this coverage atno cost to you.Long-term disability

See plan detailsSee plan detailsAdditional benefit plans are a great way to customize your benefits package.Additional benefit optionsThe benefit plan information shown in this guide is illustrative only. To the extent the benefit plan information summarized herein differs from the underlyingplan details specified in the insurance documents that govern the terms and conditions of the plans of insurance described in this guide, the underlyinginsurance documents will govern in all cases.Accident coverage through CARRIER pays you a cash benefit to help with your expenses –your deductible or copays,transportation, groceries and more – if you or a covered family member is injured due to an accident. The money isyours to use as you choose.Accident coverageCritical illness coverage through CARRIER pays you a cash benefit to help with your expenses– your deductible orcopays, transportation, groceries and more – if you or a covered family member is diagnosed with a covered criticalillness. The money is yours to use as you choose.Critical illness

2024 benefits